How long has it been since you sat down and looked for lower-priced Chevy Suburban insurance in Laredo? Locating better insurance prices for a new or used Chevy Suburban in Texas can be a lot of work, but you can use these tips to find lower rates.
There is a better way to shop for car insurance so you’re going to learn the proper way to get price quotes for a Chevy and locate the best price possible from Laredo insurance agents and online providers.
Chevy Suburban insurance charts and tables
The rate information below outlines different rate quotes for Chevy Suburban models. Being aware of how auto insurance prices are figured can be valuable when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $158 | $260 | $358 | $22 | $108 | $906 | $76 |
| Suburban LT 2WD | $158 | $260 | $358 | $22 | $108 | $906 | $76 |
| Suburban LS 4WD | $158 | $260 | $358 | $22 | $108 | $906 | $76 |
| Suburban LT 4WD | $158 | $260 | $358 | $22 | $108 | $906 | $76 |
| Suburban LTZ 2WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Suburban LTZ 4WD | $176 | $306 | $358 | $22 | $108 | $970 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific zip code location which can modify prices noticeably.
Learn How to Buy Car Insurance for Less
Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could help you find much lower annual insurance costs.
The following are some of the factors used by companies to determine your prices.
High premiums for youthful drivers – Drivers with little experience are statistically shown to get distracted easily behind the wheel therefore car insurance rates are much higher. Older drivers are viewed as being more responsible, cause fewer claims and accidents, and receive fewer citations.
The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Long commutes cost more – The more you drive in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting receive lower rates than vehicles that are driven to work every day. An incorrectly rated Suburban can cost quite a bit. It’s a smart idea to ensure your car insurance coverage is rated on the proper vehicle usage.
More stress means more cost – Jobs like military generals, architects, and dentists tend to pay higher premium rates due to intense work situations and lengthy work days. On the other hand, jobs like actors, athletes and performers pay lower than average rates.
Traffic violations cost more than a fine – Your driving record has a big impact on rates. Even one speeding ticket or other violation may increase your cost by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have serious citations such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state in order to drive a vehicle legally.
The chart below demonstrates how citations and at-fault fender-benders influence Chevy Suburban auto insurance costs for different insured age categories. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Improve your credit rating – Credit history is a big factor in your rate calculation. If your credit rating is lower than you’d like, you may save money insuring your Chevrolet Suburban by taking the time to improve your credit score. Consumers who have high credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings.
Premiums for men may be higher – Statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Women and men get in fender benders at about the same rate, but the men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore have the most expensive car insurance rates.
The information below illustrates the comparison of Chevy Suburban auto insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Liability preserves assets – Liability insurance will protect you in the event that you are ruled to be at fault for personal injury or accident damage. This coverage provides legal defense to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Is your car built for speed? – The type of car you need to insure makes a significant difference in your auto insurance rates. The most favorable rates are for small economy passenger vehicles, but your final cost has many other factors.
The following chart uses these assumptions: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Chevrolet Suburban policy rates compared to other makes and models that have a range of performance risks.
Insurance loss data for Chevy Suburban vehicles – Companies include the past claim history for a vehicle in order to profitably underwrite each model. Vehicles that the data determines to have increased claim numbers or amounts will have a higher cost to insure. The table shown below demonstrates the insurance loss data used by companies for Chevy Suburban vehicles.
For each type of coverage, the statistical loss for all vehicles combined as an average is considered to be 100. Values under 100 imply a favorable loss record, while values that are above 100 point to more losses or a tendency for losses to be larger than average.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Suburban 1500 4dr 2WD | 90 | 92 | 90 | 67 | ||
| Chevrolet Suburban 1500 4dr 4WD | 109 | 113 | 124 | 72 | 70 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
More quotes mean more auto insurance savings
More affordable auto insurance in Laredo can be sourced on the web as well as from independent agents in Laredo, so get free Laredo car insurance quotes from both of them to have the best chance of lowering rates. Some companies may not have the ability to get a quote online and most of the time these regional insurance providers only sell through independent agencies.
We covered a lot of techniques to save on Chevy Suburban insurance in Laredo. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Laredo car insurance quotes. Drivers may even discover the most savings is with the smaller companies.
When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.
How to find discount Chevy Suburban insurance in Laredo
If you want to save the most money, the best way to find more affordable Chevy Suburban insurance in Laredo is to start comparing rates regularly from providers in Texas.
- Read about policy coverages and the things you can change to prevent expensive coverage. Many rating factors that are responsible for high rates like inattentive driving and poor credit history can be controlled by making minor changes to your lifestyle.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can quote rates from multiple insurance companies. View prices
- Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Tell your current company of your intent to cancel the current policy. Submit a down payment along with a signed application to the newly selected company. Immediately place the new proof of insurance certificate in a readily accessible location in your vehicle.
An important bit of advice to remember is that you use the same deductibles and limits on every price quote and and to compare as many different companies as possible. This provides an apples-to-apples comparison and the best price quote selection.
More information can be found below:
- Red Light Cameras (State Farm)
- How Much are Car Insurance Quotes for First-time Drivers in Laredo? (FAQ)
- What Auto Insurance is Cheapest for 17 Year Olds in Laredo? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Laredo? (FAQ)
- Who Has Cheap Laredo Auto Insurance Quotes for High Risk Drivers? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)